There is a difference between gambling and risk-taking. John Scully says, “People who take risks are the people you’ll lose against.” A study of the first graduating class from the Harvard School of Business revealed that, across the board, these men were risk-takers. They would not pass a car on a hill or a curve, nor blindly go into a business venture. They assembled the facts and evaluated carefully from every possible perspective the chances of success and the benefits which went with that success. They understood there were no guarantees and that the possibility existed that they could lose. Nonetheless, they recognized that the possible gain was so much greater than the possible loss that they deemed it appropriate to take the risk.
Gambling is a different issue. The dictionary says that risk is a “pushing forward, a rushing. It is to be bold and hearty.” Gambling is a far more hazardous undertaking. Needless to say, some gambles are greater than others. A report in U.S. News & World Report revealed that casino slot machines represent long odds. Specifically, if you played the dollar slots every day for two months, the odds were two trillion to one that you would lose $1,000 before you won $1,000. That’s not gambling. It’s a cinch that if you play the other person’s game long enough you are going to lose. Washington said, “Gambling is the child of avarice, the brother of iniquity and the father of mischief.” Think about it. Be a risk-taker, not a gambler. ( by Zig Ziglar)
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Is Your Cell Phone Bill Too High?
You could save hundreds of dollars a year if you switch to a no-contract plan.
By Lisa Gerstner, Staff Writer
Americans waste an average of nearly $350 a year on wireless service, according to BillShrink, a service that compares rates –http://www.kiplinger.com/magazine/archives/is-your-cell-phone-bill-too-high.html– for phone plans, among other products. Most of the excess spending comes from overestimating how many voice minutes and text messages they need and underestimating how much data usage their plans should cover. It doesn t help that plans from the major wireless carriers make it difficult to balance voice, text and data offerings to get the best price.
When it s time to renew your wireless contract, think twice about your options before you sign on the dotted line. These FAQs will help you figure out whether you ll benefit from switching to a no-contract plan.
How do I know a no-contract plan is best for me? It may not be. If you prefer a wide range of services and you like choosing among a variety of phones at low or no cost, a contract with a major carrier is still the best option. And contract-based service may be the most economical if you want to add multiple lines with a family plan. But if you can live without some phone choices and fewer perks — for example, some plans don’t offer the fastest network speeds or the best coverage — a prepaid plan could be a winner. Study your current plan to get a sense of the services you use. A tool – https://www.billshrink.com/?noTest=truenoCache=truetv=true – at BillShrink.comanalyzes usage information from your plan and suggests plans that may be a better fit at a better price. The information at MyRatePlan.com http://www.myrateplan.com/-can also help you make a choice.
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